Marianna at a glance
- Population: roughly 7,294 people; 193rd of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 6,261 (US Census Bureau).
- 2020 to 2023 change: population rose about 16.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 193rd-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 53% of places in Florida are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 30.7614, -85.2563.
- Nearest larger cities: Dothan, AL (34 mi); Bainbridge, GA (42 mi); Quincy, FL (42 mi); Lynn Haven, FL (43 mi); Springfield, FL (46 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Cottondale, FL (7 mi); Alford, FL (9 mi); Greenwood, FL (10 mi), per US Census Bureau estimates.
What a personal loan costs in Marianna
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Florida lending rules that apply in Marianna
The Florida rate caps and licensing rules that reach Marianna are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 18% per annum simple interest (loans/advances of $500,000 or less; loans above $500,000 are exempt from this cap) Source says: "it shall be usury and unlawful ... to ... charge ... a rate of interest greater than the equivalent of 18 percent per annum simple interest". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| Payday lending status | Permitted under license (deferred presentment providers; money services business license under chapter 560) Source says: "Businesses intending to engage in deferred presentment transactions must be licensed as a money services business under chapter 560, Florida Statutes". | Florida Office of Financial Regulation as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance loan license required (chapter 516) Source says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| State lending regulator | Florida Office of Financial Regulation (OFR) Source says: "The Office of Financial Regulation is a state-government agency created by the Governor and Cabinet to provide regulatory oversight for Florida's financial services industry". | Florida Office of Financial Regulation as of 2026-09-16 |
| Deferred presentment fee cap | 10% of the amount provided (transactions not repayable in installments) Source says: "A deferred presentment provider or its affiliate may not charge fees that exceed 10 percent of the currency or payment instrument provided". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
How to compare offers in Marianna
Before you share your details with a lender in Marianna:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Florida using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.